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 \begin{document}

 

\title{Online Appendix Table 1: Examples of Heuristics Training Modules}
\maketitle


\section{Module 1: Cash Separation–Message 2: Two Physical Locations to Separate Cash [Philippines]}
\textbf{Lesson:} Find two locations to keep business and household cash separate. 

\begin{table}[!ht]
    \centering
    \begin{tabular}{|p{5cm}|p{12cm}|}
    \hline
        \textbf{Episode Structure} & \textbf{Script} \\ \hline
        Standard episode intro & Hello! And welcome back to the Project Dungannon business training program. This is Tita Jo again. \\ \hline
        Introduce the customer credit topic & A small business like my sari-sari store should not need a complex system just to determine its weekly profit, right? Then what should we do to track our weekly profits? I will help you by teaching you Cash Separation. Today, I’ll teach you the first of the three steps of Cash Separation – how to keep your business and household cash separate. \\ \hline
        The problem & One of the first problems I encountered as a business owner was how to keep track of my weekly profits. I had income from the sari-sari store, my husband's salary, and a sideline viand selling business, but I also had expenses for both business and family - and they always mixed. I always had a hard time knowing which is which. For example, when I needed to buy Gasul for my viand selling business, I used to get the money from the day's sales of the sari-sari store. And when my daughter asked for money for her school project, I also got it from the sari-sari store money. As you can see, I was mixing up all my expenses, and didn't know how much my sari-sari store was making. How do I know then how much I can take from the business to spend for the home? \\ \hline
        The solution & The good news is, I have discovered a very simple way to keep business and household cash and expenses separate. It is called Cash Separation. You just need to have two separate places to keep the money for the business and household. All you need to do is find 2 separate places to keep your business and household money. You may use whatever is convenient for you - a drawer, a box, a garapon. For me, what worked best was a belt bag for the sari-sari store cash and a drawer in the aparador for the household money. Keep your business cash handy in your business, so you can do all business transactions from it. And remember not to mix them up -- put all business income only in the business location and pay all business expenses out of the same business cash location. Same with the household cash. Separating your business and household cash will be useful regardless if your family has only one source of income or earns income from multiple sources. \\ \hline
        Call to action & Now it's time to act: To start separating your cash, in the next two days go and find your two separate locations for your business and household cash. Choose one location for the business cash and one for the household cash. Next week, I will teach you how to use your two cash locations, so you can track how well your business is doing. \\ \hline
        Closing statement & Again, this is Tita Jo saying “Thank You” for listening! If you'd like to hear this message again, please give me a missed call at $<$0239XXXXX$>$ any time. And remember, keep listening and keep prospering. \\ \hline
    \end{tabular}
\end{table}

\clearpage

\section{Module 2: Customer Credit-Message 1: 7-day Credit Rule [India]}

\begin{table}[!ht]
    \centering
    \begin{tabular}{|p{5cm}|p{12cm}|}
    \hline
        \textbf{Episode Structure} & \textbf{Script} \\ \hline
        Standard episode intro & Hello and welcome back to the Janalakshmi business training program. This is Sangeetha again. \\ \hline
        Introduce the topic & In the next few weeks, I want to share with you a few new tips to help you manage your customer credit better. For business owners like us, a key to business success is treating our customers right. Customer credit is often an important element of our relationship with our customers. But there is such a thing as giving too much credit to your customers – I’ve experienced it in my own business. When you give credit to your customers you are not getting money into your business. So you might not have the money you need to pay your business loan or buy more supplies for your business. That is why I want to share with you some simple tricks for when and how to give credit to your customers in a way that doesn’t hurt your business. \\ \hline
        Introduce the topic & Today I will share with you a tip I use to make sure that I do not have too much credit outstanding. When I started with my kirana store, I struggled to find a way to limit how much credit to give to my customers. For example, I had a relative, Karthik, who asked me to buy milk and yogurt on credit every week. I felt bad to say no, but week after week, he did not pay me back. His credit grew bigger every week. \\ \hline
        The problem & I know we all have had such problems. But remember, customers that do not pay you back on time hurt your business. The money they owe you could make it hard for you to pay your own business expenses. \\ \hline
        The solution & I have a simple solution for you: Only sell goods on credit to customers who can promise to pay you back in the next 7 days. At first, it will be hard to ask your trusted customers to pay back in 7 days. But if you explain politely to them that credit for longer than 7 days hurts your business, they will understand. Tell them that if you get paid after 7 days, it makes it harder for you to pay your business expenses. This will get your business in debt, and your business and family will suffer. \\ \hline
        Call to action & Time to act: Starting tomorrow, ask each of your customers who wants to buy on credit when they would pay you back. Give credit only to those customers who confirm that they will pay you back in the next 7 days. Explain to your customers that you cannot give them credit for longer than 7 days, as this would hurt your business. In the next weeks, I will teach you two more tricks to help you limit how much credit you give to customers. \\ \hline
        Closing statement & This is Sangeetha! If you'd like to hear this message again, please give me a missed call at 0804XXXXXXX. And remember, keep listening and keep prospering. \\ \hline
    \end{tabular}
\end{table}


\end{document}
